Actual or alleged negligence by the insured recreation employee or commissioner while acting with the scope of their duties granted to them by the sponsoring organization: Work at Recreation Centers and Playgrounds, Parks, Swimming Pools, Ice and Roller Rinks, Day Camps, Team Sports Arenas and Stadiums, Golf Courses, Zoos, Organized Trips and Tours.

Personal & Advertising liability

Participant legal liability

Professional Liability

Invasion of privacy, wrongful eviction, or wrongful entry.

Cost of investigation and defense against claims, even if they are groundless

NOTABLE EXCLUSIONS:

Asbestos

Employment related practices.

Fireworks

Fungi or bacteria

Haunted attractions

Lead

Medical, therapy or health care services

Nuclear Energy Liability

Performers

Physicals/Stress Testing or Therapy

Massage or Salon Services

Coaches (exempt or non-exempt) acting on behalf of a college, school or any other organized competitive athletic team

Training programs for law enforcement, public safety and military personnel

Operation or management of a commercial sports, fitness, or dance facility

Instruction held on or in open water (e.g.: lakes, ponds, oceans)

Please Note

This brochure is a brief description of the important features of the insurance plan. It is not a contract of insurance. The descriptions contained here are not a complete description of all terms, conditions, and exclusions in the coverage. Please refer to your Liability insurance Policy and Accident Insurance Plan Description of Coverage for complete information. Please keep this information as a reference.